Re: USAA

My scores are worse than yours(CreditKarma shows my TU as 576) and my other two are lower. And I just opened an NFCU account and was approved for an unsecured CC for $500. I didn't think I would get approved, but everyone on here was saying they were very generous, so I gave it a shot.

Re: USAA

NFCU has only pulled EQ for my applications. I've heard of them pulling EX but I think that might be because the inherited a contract from their acquisition of another CU a year or two ago. So the EQ FICO is the thing to look at.

Re: USAA

Thanks for the info everyone.....I joined NFCU and PSECU. I have not applied for a card as of yet...I recieved a BofA card last month with a 3K CL ( think they were generous bcuz I have an IRA with them from my previous employer) I am trying to get other baddies off before I apply for a CC or refinance our truck at either CUs. However, I know FAKOs are worthless but I started out joining this forum Aug 8 2012 with FAKO scores EX 565 EQ 550 TU 602 and know they are EX 633 EQ 633 and TU 674. Cant get my EX FICO yet from PSECU since I just joined this month but I think by December and working to remove 3 of the 5 baddies left on my Credit report I should be high 600s maybe 700.

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IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.